THE GLOBAL EMPLOYER’S OPTION

GEO is a revolutionary program designed to meet the global health care needs of international assignees, and provide multinational employers with flexible options in both benefits and services. It is a comprehensive yet cost-effective plan designed specifically for employers who need international group medical coverage for their employees around the globe. GEO provides a wide range of customizable benefits that can be modified to suit your specifications, combined with the top-shelf service of an established leader in the international medical insurance arena. IMG focuses solely on the international medical insurance market while performing all administration functions in-house via our service centers in the US and the UK, thus giving us greater control over the quality of our service and helping to keep your costs low.

PATRIOT STUDENT T.R.I.P.

With Patriot Student T.R.I.P., you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. This student travel insurance program is designed specifically for the student under age 26 and enrolled in school or summer camp, who may travel domestically or internationally. Additional insurance benefits include coverage for travel delays, baggage delays, lost/stolen baggage and emergency medical treatment/evacuation. Patriot Student T.R.I.P. is a travel insurance and emergency travel assistance services program designed to provide coverage to full and part-time students for many of those unforeseen events that may force the cancellation of travel plans or interrupt a covered trip.

PATRIOT T.R.I.P. ELITE

To provide superior protection for a picture-perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance and emergency travel assistance services program.  Patriot T.R.I.P. Elite provides coverage for many of those unforseen circumstances that may force the cancellation of your travel plan or interruption of your covered trip.  In addition, benefits may also be provided for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home.  You expect top-notch service if the unexpected should happen.  Make sure you have the premier protection you need with Patriot T.R.I.P. Elite. When you purchase Patriot T.R.I.P. Elite, you automatically become a member of the National Small Business Travel & Health Association (NSBTHA).

PATRIOT T.R.I.P.

With Patriot T.R.I.P., you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. Benefits are also provided for travel delays, baggage delays/loss and emergency medical treatment/evacuation. When you purchase Patriot T.R.I.P., you automatically become a member of the National Small Business Travel & Health Association (NSBTHA).  Through this association, members may access travel insurance, emergency travel assistance services, and information about events, legislation, and other matters that affect travel.

PATRIOT TRAVEL MEDICAL INSURANCE

Patriot Travel Medical Insurance is designed for the international traveler. There are two Patriot products available to meet your needs and provide up to $2,000,000 of medical coverage. Patriot International provides coverage for U.S. citizens traveling abroad for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years. Patriot America provides coverage for non-US citizens traveling outside their home country for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years.

PATRIOT EXTREME TRAVEL MEDICAL INSURANCE

Patriot Extreme Travel Medical Insurance is designed for the international traveler who engages in extreme sports. Patriot Extreme provides coverage for a large array of extreme sports while providing up to $50,000 of medical coverage. There are two variations of this plan: Patriot Extreme International and Patriot Extreme America. Patriot Extreme International provides coverage for US citizens traveling abroad for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme International plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New deductible, coinsurance, eligibility, conditions of coverage and pre-existing condition exclusions apply to any succeeding or subsequent period of coverage. A new application also must be completed. In addition to the benefits listed on the brochure, Patriot Extreme International for US citizens also provides two benefits outlined below, subject to all conditions of coverage: 

Sudden Recurrence of a Pre-Existing Condition – Up to $1,000 will be reimbursed for the eligible expenses of a sudden and unexpected recurrence of a pre-existing condition while traveling outside of the US. In addition, up to $25,000 will be reimbursed for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a pre-existing condition. 

Indemnity – Patriot Extreme International will pay directly to you $100 for each night of a required overnight stay in a hospital. The hospital stay must be covered under this plan in order to receive this benefit. 

Patriot Extreme America provides coverage for non-US citizens traveling outside their home country for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme America plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New deductible, coinsurance, eligibility, conditions of coverage and pre-existing condition exclusions apply to any succeeding or subsequent period of coverage. A new application also must be completed.

Five Ways to Protect Your Health and Wealth With Insurance Against Sickness

If you are unfortunate enough to suffer an illness, sickness or an accident at any time in your life, the consequences can be far reaching and affect your lifestyle and family for perhaps months or years into the future. Primarily you will require immediate treatment and care for the accident or illness. You will also need to consider how to meet your financial commitments during a period of hospitalisation and recovery. Furthermore it is wise to be recompensed for the unfortunate loss of bodily functions or if your contract a chronic or life critical illness.

Five ways to protect yourself and your family against sickness with Insurance:

1. Protect your personal health with Private Medical Insurance

Medical or Health Insurance is often called Private Health Insurance, Private Medical Insurance or PMI in the UK. This type of cover provides quicker access to specialist consultants, hospital treatment and rehabilitation services, and is designed to cover the costs of and arrange remedies for treatable short term or acute accident or sickness. It is however often restricted to hospitals owned by the particular insurance group. PMI is primarily bought  to receive quicker treatment in nicer surroundings than is offered by the state system. Many policies allow you to top up cover should you require additional treatment. Levels of indemnity or cover limits are quite often determined by the price you pay as a premium. Policies are often sold with varying levels of cover under banners such as Silver, Gold and Platinum cover, and covers are extendable to other members of the immediate family.

Many UK employers provide what is known as Group Health Insurance plans as health care and medical cover for their employees, however this practice has declined since this became a taxable benefit. It is important to note that nearly all of these types of medical insurance policies exclude pre-existing conditions and are designed for treatable conditions only.

2. Protect your body with Personal Accident Insurance Cover

Personal Accident Insurance or PAI as it is known covers the loss of various body parts and pays out a lump sum designed to help ease your immediate suffering. Each limb or organ is priced and if you are unfortunate enough to lose for example an eye, you will receive the commensurate agreed benefit amount for the loss of the eye. Many policies also pay out a lump sum on death.

3. Protect your lifestyle and wealth with Personal Accident and Sickness Insurance

Often known as ASU, these products provide a lump sum of money each month if you are unfortunate enough to have an accident or be sick, whether hospitalised or not, allowing various expenses and costs of your life style to be protected while you are ill and recovering. These include income protection for your earnings, mortgage and loan protection for your debts and monthly  outgoings and the more encompassing lifestyle insurance to protect all your finances, when you are sick. These type of policies pay out an agreed monthly benefit commensurate with the amount of cover required.

 4. Protect your future with Critical Illness Insurance

Basic medical insurance is designed to cover short term illness only. Critical Illness or dreaded disease polices are a recent innovation in the UK Health Insurance market, having originated in South Africa. You are covered under this type of policy if you are struck by one of a number of specified diseases, many of which are terminal and for that reason critical illness insurance is often sold as a bolt on cover with a life insurance policy. Examples of the types of critical illness covered are Cancer, Heart Disease, Strokes, Parkinson's, and Multiple Sclerosis, to name but a few.In the event of a claim, as with personal accident and sickness cover, you will receive a lump sum to help with the costs of the illness. When sold as part of a life policy the lump sum payable on death is often reduced if there has been an earlier critical illness claim.

 5. Protect your family with a hospital bed with Health Cash plans

Health cash plans where you make regular payments into a specific medical fund which entitles you to claim if the need occurs. These cash plans have been available for some time in the UK and have been particularly popular in the areas of optometry and dentistry which are mainly privately funded outside of the NHS. Recent innovative more affordable health insurance hospital cash plans are becoming very popular, mainly because they allow access to all the hospital services that are available under a standard medical insurance policy except that you are not tied to one hospital provider of medical supplier to provide that service.

As with all Insurance products it is now very straightforward to shop around and compare prices on the Internet. Each individual will have varying cover needs and it is important to compare insurance covers as well as premium prices. It is very important  with all health and personal protection insurance policies to read the small print and online documents to be sure that you understand the exclusions to each particular health care coverage.

For more information and advice on all aspects of medical insurance visit  Compareand various plans online.

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